Re: advice needed re insur co putting water damage under mold cap

[Guest guest]

Yes, but you will need to have a professional make the case for

you because they are already not listening to you. (CIEC, CIH,

CMI or CMS which are all independantly accredited by CESB).

You can find them on the acac.org Web site, aiha.org, or at

www.hhcontractors.org.

Have them cite ANSI-IICRC S500 Standard and Reference

Guide for Professional Water Damage Restoration (2006) and

ANSI-IICRC S520 Standard and Reference Guide for

Professional Mold Remediation (2008).

Containment, air flow control, and PPE which are the main " mold

related " costs can usually and legitimately be included under the

water damage standard, especially if your pro can verify Category

2 or 3 water and Class 2 or 3 involvement.

Carl Grimes

Healthy Habitats LLC

-----

Does anyone have any suggestions on what to do when an insurance

company is insistent on putting water damage under the mold cap in the

policy? Is there a way to dispute this?

----------

The following section of this message contains a file attachment

prepared for transmission using the Internet MIME message format.

If you are using Pegasus Mail, or any other MIME-compliant system,

you should be able to save it or view it from within your mailer.

If you cannot, please ask your system administrator for assistance.

---- File information -----------

File: DEFAULT.BMP

Date: 15 Jun 2009, 23:10

Size: 358 bytes.

Type: Unknown

[Guest guest]

is my insurance company still playing hardball with me?- a consultant did

explain this to them and they still are not covering it under water damage. They

even cited the ANSI-IICRC 500 and they are refusing to cover it under water

damage.

Curious how one would have to verify or prove to the insurance company Category

> 2 or 3 water and Class 2 or 3 involvement.

Would this be an issue of how long the materials were exposed to the water?

I was at the meeting and really the insurance adjuster seemed rather clueless to

all of this- and her hired contractor very arrogant and treated it very lightly.

thanks for your help

>

> Yes, but you will need to have a professional make the case for

> you because they are already not listening to you. (CIEC, CIH,

> CMI or CMS which are all independantly accredited by CESB).

> You can find them on the acac.org Web site, aiha.org, or at

> www.hhcontractors.org.

>

> Have them cite ANSI-IICRC S500 Standard and Reference

> Guide for Professional Water Damage Restoration (2006) and

> ANSI-IICRC S520 Standard and Reference Guide for

> Professional Mold Remediation (2008).

>

> Containment, air flow control, and PPE which are the main " mold

> related " costs can usually and legitimately be included under the

> water damage standard, especially if your pro can verify Category

> 2 or 3 water and Class 2 or 3 involvement.

>

> Carl Grimes

> Healthy Habitats LLC

>

>

[Guest guest]

I would recommend you do a couple things. Depending on the response and

personality of the insurance adjuster. Make sure you remain " friendly " not

confrontational. Ask him what is the basis of the decision, is it 'only mold',

and if so , who said there is no water damage. Remember, for the files, he will

report either/or water/mold. If there is water damage, the mold doesn't matter.

i.e., mold gets removed as part of the water repair. the extra mold money is for

additional safety and cleaning procedures on components that are not water

damaged but have mold contamination of some sort. Sometimes, it pays for

additional occupant protection measures like containment and final cleaning.

cleaning of contents is difficult under water damage unless they are directly

wetted.

I strongly recommend a public adjuster, a professional who will lobby for your

needs. they will write the claim scope and argue it's merits for you. they

typically get paid a small percentage of the claim amount.

Depending on the size of the claim, consult an attorney after getting info from

professionals like assessors, IEP's, PE's, CIH's, public adjuster. Taken

together, you will have a good idea if a lawyer is worth it.

>

> Does anyone have any suggestions on what to do when an insurance company is

insistent on putting water damage under the mold cap in the policy? Is there a

way to dispute this?

>

[Guest guest]

A couple people I called for remediation of roof leak that went down into

bedroom would not do more remediation than for water damage, even though I

offered to pay for it. It wasn't apparent there was mold but I wanted plaster

knocked off down to the stud to make sure. Reminds me of doctors. It's my

body, my house. I should have a say in it. I finally just hired someone who

did plaster work and didn't mention my insurance company at all and they did

what I asked them to do. However there wasn't visible mold so I don't recommend

that to an obvious mold problem but I wonder if they would do what they could

under insurance and would do the extra for a fee? Did my own containment.

>

> Does anyone have any suggestions on what to do when an insurance company is

insistent on putting water damage under the mold cap in the policy? Is there a

way to dispute this?

>

[Guest guest]

I cant post too many details publicly regarding this.

However there is a public adj involved... sad but true even he cannot convince

the insur adj.

there is visible mold in a few areas. all but a few rooms were soaking wet thus

water damaged.

Barb- good advice- however the cap is so low that it wouldnt even pay for

removal of most of it- as is the isur co...isnt paying me for what they said

they would- and it has become a battle now. I have never seen such a mess in my

life. this mold is just a minor issue compared to the rest- but is the most

concerning to me due to my reactions each time I go into that house.

wish i could post all the details- it is that bad!

> >

> > Does anyone have any suggestions on what to do when an insurance company is

insistent on putting water damage under the mold cap in the policy? Is there a

way to dispute this?

> >

>

[Guest guest]

Your right about the mess. Sounds like you'll need an attorney for a bad faith

claim. BTW, if the insurance was slow in getting the drying started then they

could be held responsible for the mold growth part, regardless of the cap. Dry

in time, no mold.

Carl Grimes

Healthy Habitats LLC

(fm my Blackberry)

[] Re: advice needed re insur co putting water damage

under mold cap

I cant post too many details publicly regarding this.

However there is a public adj involved... sad but true even he cannot convince

the insur adj.

there is visible mold in a few areas. all but a few rooms were soaking wet thus

water damaged.

Barb- good advice- however the cap is so low that it wouldnt even pay for

removal of most of it- as is the isur co...isnt paying me for what they said

they would- and it has become a battle now. I have never seen such a mess in my

life. this mold is just a minor issue compared to the rest- but is the most

concerning to me due to my reactions each time I go into that house.

wish i could post all the details- it is that bad!

> >

> > Does anyone have any suggestions on what to do when an insurance company is

insistent on putting water damage under the mold cap in the policy? Is there a

way to dispute this?

> >

>

[Guest guest]

the insurance company will just turn around and say 'you should have had someone

out to the house to dry it' there were many delays on their part to even come

out and view the damage. I dried it by running fans the best I could- but it

was a ton of water.

I was told this isnt bad faith. and sadly lawyers dont want to touch this- not

enough money in it for them is what I have been told.

It is very frustrating to have this hanging over my head during the holidays.

--- In , " Jack Thrasher, Ph.D. " <toxicologist1@...>

wrote:

>

> Once again it only takes 24 to 48 hours for the bacteria to grow.

>

> Re: [] Re: advice needed re insur co putting water

damage under mold cap

>

>

>

> Your right about the mess. Sounds like you'll need an attorney for a bad

faith claim. BTW, if the insurance was slow in getting the drying started then

they could be held responsible for the mold growth part, regardless of the cap.

Dry in time, no mold.

>

> Carl Grimes

> Healthy Habitats LLC

> (fm my Blackberry)